Hello Higgs

Check that the Default date matches your Trust Deed signing date (or very close to it).

The accounts will fall off six years after that date.

If you have been discharged, the Creditors should mark your account as (S) Satisfied or PS (Partially Satisfied)

You can contact the creditors, explain the discrepancies and request they update the information with all the credit reference agencies. You can provide them with a copy of the form 5 showing signing and discharge dates.

The Credit Reference Reports should reflect correct information under the Data Protection Act. It is the Creditor who updates the Credit Reference Agencies.

Hopefully, that will get your records corrected without too much effort. Good luck.

Thank you for your advice firewalker

Hi Higgs

i did what firewalker said and my creditors made it satisfied very quickly after seeing my form 5

Hi Folks, quick question. When you say contact your creditors, is it as easy as just going into a branch or calling customer services? I really need to get my finger out on this, but I've always assumed that I'll be on hold with various departments for hours on end.
Thanks
Ali

Hi SkintAlly,

A bank should deal with this however you get in touch with them.

For me, the quickest way would be to call customer services and provide them with a short timeline to get this done.

If they didn't to it within that timeframe, I'd make a complaint. This can again be done over the telephone but many of our members have said that they preferred to do this in writing so that a record exists.

Hi SkintAlley

To add to what TDA has said, I found telephone calls worked - after numerous letters did not.

My advise is to keep a diary/record of day, date, time of call, to whom you spoke and what was said, in brief. And if you write, a copy of letter, date, and any response.

While you hope it will be corrected quickly, that information helps tremendously with any complaint procedure.

AS TDA says - Customer services can direct you to the department that deals with it. In my experiences it was usually Default Accounts or similar name depending on the company. I would suggest when you get to speak with them you ask for the direct phone number of that department for any future calls.

This is just 'worn the t-shirt' advice.

Good luck.

Thanks for the info guys. I'll try and get started on this tomorrow hopefully